What Credit Card Does Costco Accept?

Costco Company

The Costco wholesale corporation is an American multinational corporation that operates a chain of membership without any other option.

It was the fifth largest retailer globally as of 2020 and the world’s largest retailer of choice and prime beef, rotisserie chicken, organic foods, and wine as of 2016.

What Credit Card does Costco accept?

If you are having the mind of becoming a Costco member, know that only its warehouses accept Visa’s credit at checkout. Which are Costco.com, and the app accept cards from other issues.

Most Americans continue to wait in long lines outside Costco due to the present coronavirus pandemic.

While issues may be caught off that are not related to Costco’s supply, you probably expect to see “out of stock” and “limited quantity” but may not accept your credit card at checkout.

What credit card does Costco accept means, not every credit cards you can pay with to only visa-backed cards. While Costco shoppers were restricted to Amex-issued cards, but finding shows that it changed in 2016 when Visa became Costco’s exclusive credit card network.

We are going to list out what credit card does Costco accept and what credit card does Costco not accepting, which will compare to what’s allowed at Costco.com and on the Costco app.

Whenever you shop at Costco, is either you use the warehouse club’s co-branded card, the Costco Anywhere Visa® Card by Citi, or the other credit card backed by the Visa network.

See some cards that can use at Costco warehouses.

  • Chase Freedom Unlimited®
  • Wells Fargo Cash Wise Visa® card
  • PenFed Power Cash Rewards Visa Signature® Card
  • Chase Sapphire Preferred®

You have the right to swipe or insert your card at checkout, as well as the use of contactless payment methods, such as tap-to-go and mobile wallets (Apple Pay, Google Pay and Samsung Pay).

Credit cards not accepted at Costco

What credit card does Costco accept
What credit card does Costco accept

Costco has a Visa contract, making shoppers not use credit cards backed by the other three main networks, such as Mastercard, American Express or Discover, at Costco warehouses.

See some cards that can be used online or via the Costco app:

  • Chase Freedom Flex℠
  • Citi® Double Cash Card
  • Citi Rewards+® Card
  • Capital One® Savor® Cash Rewards Credit Card
  • Discover it® Cash Back
  • Discover it® chrome

What makes Costco Switch to Visa?

Costco got a deal with Citi and to be the issuer of Costco’s credit card. But with the card Costco Anywhere Visa® Card by Citi is a Visa, Costco has to accept all Visa cards.

However, after they switched from American Express to Visa, it expanded its potential client network by millions.

It makes shopping easy for current Costco members, then being locked into using an American Express card, the Visa cards available in the marketplace is an opportunity to members.

Visa Credit Cards to Maximize Your Savings

Since you know the credit card is accepted at the Costco warehouse, you will be wondering what the best credit card is for shopping with the retailer?

You may be thinking of adding a Visa credit card to your mix of cards, with a rewards program? If yes, then here are their options to consider if you are a Costco shopper. These include:

Citi Double Cash Card

Costco Anywhere Visa Credit Card

Fidelity Rewards Visa Signature Credit Card

If you can apply and make use of these three options we listed, you will maximize your savings at Costco.

Can you Shop at Costco if you don’t have a Visa?

You can shop at Costco if you don’t have a Visa card to pay, and they accept cash, debit/ATM, checks, EBT and Costco Cash Cards.

But the Costco gas station and car washes do not accept EBT and checks. 

Can you Shop at Costco if you don’t have a Costco membership?

Well, yes, if a Costco member buys you a store gift card, Costco Cash Card, you can use it in the store without a membership.

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